Insurance & Claims Help

Includes topics that help guide homeowners in getting the right insurances and warranties.

Home Insurance

Why You Need the Right Insurance for Your Roof

If you live here, you know how wild Knoxville’s weather can be and how fast an afternoon of sunshine can change to black skies with rain beating on your shingles like a drumline halftime show. I’ve been on hundreds of roofs after major storms and cannot stress to you enough how important it is to have an insurance policy that will actually help and save you thousands of dollars vs doing only the bare (and I mean bare) minimum.

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house with repaired roof in knoxville, grey roof and siding

Why Are Roofing Jobs So Expensive?

When it’s time to replace your roof or even repair sections of it, you may be surprised to learn how expensive the job is. Let’s face it, roofing jobs are expensive, and there are quite a few reasons why. Labor Costs Roofing replacement or repair jobs are physically demanding jobs that require skilled labor. Roofers have to work at different heights and in difficult weather conditions, and they need to be trained and experienced to perform their work safely and efficiently. This means that roofing companies must pay their workers fairly for these skills and experience. This alone can drive up labor costs. Additionally, roofing companies may need to hire subcontractors to perform certain tasks, such as electrical work or structural repairs. Materials The cost of raw materials used in roofing, such as asphalt, metal, clay, or concrete, can vary depending on their availability, demand, and quality. For example, high-quality shingles cost more than lower-quality ones, and metal roofing materials are more expensive than asphalt shingles. What’s more, roofing materials are often heavy, bulky, and difficult to transport, which can drive up the cost of installation jobs. Plus, the weight and volume of these raw materials can directly affect the amount of labor required to install the roofing system. Roofing Equipment Roofing work can be dangerous, and roofing companies need specialized equipment to make sure their workers are safe. This equipment includes ladders, scaffolding, safety harnesses, and other protective gear. The cost of this equipment is often factored into the overall cost of the job. Tools, such as nail guns, roofing saws, and other equipment, can make the job more efficient, allowing workers to complete the job faster. This equipment can be expensive to purchase and maintain. In addition, roofing equipment must be able to withstand weather conditions such as rain, wind, and extreme temperatures. Workers may also have to access difficult-to-reach areas when repairing or installing a roof. This may require specialized equipment, such as lifts or cranes, which can be expensive to rent or purchase. Insurance & Permits Roofing companies need to carry insurance to protect themselves as well as their clients from liability in case of accidents or damage to property. The cost of this insurance can be high due to the risks associated with roofing work, including falls, equipment failure, or property damage. Many cities require permits for roofing work, and this can add to the overall cost of the job. The cost of these permits will vary depending on the location and the type of roofing work being performed. In addition to obtaining permits, roofing companies must follow regulations and building codes when performing their work. This may require additional training or equipment, which can add to the overall cost of the job. Our Roofing Services in East Tennessee If you need roofing repair or replacement services, contact Daniel Hood Roofing Systems. Our expert roofing contractors are ready to answer any questions you may have. Call now to schedule a free estimate!

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cartoon of man with question marks above his head

What Questions to Ask When Getting a Roof Estimate

Living in Knoxville, TN, there will come a time when your home needs a roof replacement. It’s a big project, and it starts with hiring the right roofer. If you don’t take your time, ask the right questions, and get several quotes, you may end up with a bad roof job. Don’t put yourself in that position. Know what questions you need to ask to get your roofing job done right. Ask to See the Contractor’s License, Insurance, and Bonding Not all roofing contractors and companies are bonded, but all of them should be licensed and insured at the very least. Licensing means that a contractor is skilled and is legally able to work on your roof in accordance with state and local laws. No license? No current license or expired license? Don’t hire that contractor. Insured means that the contractor carries liability, medical, business, and personal insurance. All that insurance means that if the contractor and/or his/her crew are injured in the line of duty on your roof, you don’t pay for their medical expenses. If someone missteps and falls through your roof, your contractor is the one that pays to fix that. It’s personal protection for them and their business, and home protection for you. Good contractors will have no problem showing you their proof of insurance. Bonded means they have someone backing their work so that when they promise to complete your roof replacement by a specific date, the bonding agent makes sure the contractor follows through. While it’s not necessary to have a bonded roofing contractor, it is an extra perk to get your roof completed by a specific date. Ask for Warranties Some roofers and roofing companies are GAF certified, which means that a GAF roof is installed on your home and comes with a warranty. If your chosen roofing contractor is GAF certified, or lists him/herself as a GAF Master Elite roofer, ask about the warranties and GAF roofing products he or she offers. The warranties on these roofs offers extra peace of mind for the next few decades that you live in your home. Always Ask for Itemized Estimates So You Can Make Comparisons It helps to see where one roofing company charges more than another. Always ask for an itemized estimate for the roofing job so you can easily compare and contrast between the estimates you receive from different contractors. Then you can make the best decision for your roofing needs.

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